FCA Authorised & Regulated Direct Lender

Instalment Loans
Up to £1,500

Monixa is a FCA authorised and regulated direct lender in the UK. We offer instalment loans from £200 to £1,500. Our loans are an alternative to payday loans. You do not pay back all at once. You pay in parts over 3 to 6 months. This helps you plan your money. Apply online for a fast decision today. Cash sent to your bank in under 90 seconds†, if approved.

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Monixa loan decision mockup

Loan calculator

Select your amount and term to see example repayments.

Soft search No hidden fees Bad credit considered
Amount

£200

£1,500

Repayment term

Representative Example: Given a Representative APR of 1230%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £100. You will repay £600 in total.

Quick summary

  • Borrow £200 to £1,500
  • Repay over 3 to 6 months
  • Soft search eligibility check
  • No hidden fees or early repayment penalties
  • Bad credit considered
Example monthly repayment £99.71
Example total repayable £598.25
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Applying won't affect your credit score (unless you actually take out a loan).

How Monixa Works?

Applying for Monixa Loans is a fast and simple process. You can do it all from your phone in just a few minutes. Here is how we get the cash to you:

1

Choose the Amount You Need

Use our Loans Calculator to select the amount you need. You can choose any amount from £200 up to £1,500. Select how many months you need to pay it back. We show you the total cost upfront. This helps you borrow only what you need. No surprises and no hidden fees.

2

Quick Online Form

Fill out our online application form with your personal and financial details. We keep your data safe and private. This step takes just a few minutes. Monixa ensures the process is simple, clear and straightforward so you can get back to your busy day quickly.

3

Get an Instant Eligibility Check (Soft Search)

We perform a "Soft Search" to review your application. This check does not leave a visible mark on your credit report. It allows us to provide an instant decision without damaging your current credit score.

4

Get Your Money Fast

If approved, we send the money to your bank within 90 seconds†. You can then use the money for your emergency needs. We will then take your set monthly payments on the dates we agreed. It is that simple.

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Verified Customer Reviews

Trusted Across the UK

Real reviews from real customers. See why people choose Monixa when they need fast, flexible lending.

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Why Choose Monixa for Instalment Loans?

Standard payday loans often demand full repayment within weeks, which can squeeze your monthly budget. Monixa does things differently by offering Instalment Loans designed for real-life flexibility. Choosing Monixa means you work with a trusted team.

Direct Lender

Direct Lender

We are an FCA authorised and regulated direct lender, not a broker. This means we handle your application from the start to the final repayment. No brokers involved.

Borrow £200 to £1500 with Instant Decisions

Borrow £200 to £1500 with Instant Decisions

You can apply for Monixa Loans from £200 to £1,500 based on your needs. Our system works 24/7 to provide an instant decision. We give you a clear answer quickly so you can plan your finances with total confidence.

Flexible Repayments Over 3 to 6 Months

Flexible Repayments Over 3 to 6 Months

Unlike traditional payday loans, we allow you to spread the cost. You can choose a Repayment plan between 3 and 6 months. Paying in parts helps you avoid the stress of a single large payment.

No Hidden Fees or Early Repayment Penalties

No Hidden Fees or Early Repayment Penalties

Transparency is a core part of Monixa Loans. You will never face hidden charges or unexpected processing fees when borrowing from us. If you decide to pay back early, we do not charge anything extra. We believe in being fair and open with every customer we serve.

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Loans Designed for Unexpected Emergency Costs

Life can be full of surprises, and not all of them are good. When an unexpected bill hits, you might not have the cash ready. Monixa Loans helps you fix the problem and you can pay it back in fixed monthly instalments.

You can use a Monixa loan for

Emergency Car Repairs

Emergency Car Repairs

Broken Home Appliances

Broken Home Appliances

Emergency Vet Bills

Emergency Vet Bills

Boiler and Heating Fixes

Boiler and Heating Fixes

Urgent Home Maintenance

Urgent Home Maintenance

Other Unexpected Bills

Other Unexpected Bills

If your application is approved, we work fast to help. We send the cash to your bank within 90 seconds†. With this speed you might even fix your problem on the same day.

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Need a Loan But Got Bad Credit? Monixa Might Help

Need a Loan But Got Bad Credit? Monixa Might Help

A low credit score might feel like a closed door. Most banks only look at your credit score. If that number is low, they say no. At Monixa, we do things differently. We know a past mistake does not tell your whole story. As a responsible direct lender, we offer Loans for Bad Credit by focusing on your current employment and what you can afford today. You can check your eligibility by filling our online application form. Applying won't hurt your credit score.

Why Monixa is an Alternative to Traditional Payday Loans?

No hidden fees ✓

Payday Loan

1 big repayment

Monixa Loan

3-6 parts

Why Monixa is an Alternative to Traditional Payday Loans?

Traditional payday loans often ask for the full payment on your next payday. This can leave you short of cash for the rest of the month. Monixa is different. With our short term instalment loans, we let you spread the cost over 3 to 6 months in fixed equal parts. This makes it easier for you to manage your money. Being a direct lender, we show you the total cost upfront and have no hidden fees. It is a more flexible way to borrow when you need a helping hand fast.

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Responsible Lending You Can Trust

Trust is the foundation of everything and at Monixa we follow it. Being an FCA authorised direct lender, we follow strict rules to protect our customers. We perform an affordability check on every application to ensure that borrowing is the right choice for you. Our team is committed to lending only what you can comfortably pay back over time.

We provide clear information so you can make an informed decision. There are no hidden fees or complex terms in our agreements. By being open and honest, we help you manage your money with peace of mind. You can trust us to be clear, fair, and supportive every single step of the way.

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Frequently Asked Questions

Standard payday loans usually expect you to pay everything back in one go on your next payday. This can be a real struggle for your monthly budget. Our instalment loans are different because they let you spread the cost over three to six months, making the payments smaller and easier to manage.

We move fast because we know emergencies cannot wait. If your application is approved and the final checks are complete, we aim to send the cash to your bank in under 90 seconds†. Most of our customers receive their funds on the very same day.

No. At Monixa, we do not believe in hidden costs. You won't pay a penny to apply for a loan with us, and there are no processing fees to worry about. We are completely transparent about our costs. So, you will always know exactly what you need to pay back before you sign.

Our loans have a fixed interest rate of 290% per annum with a Representative 1233% APR. We always show the total cost of your borrowing clearly before you commit to anything. This ensures you stay in control of your money and understand exactly how much you will pay back.

You can apply for any amount between £200 and £1,500. We suggest only borrowing what you actually need to cover your immediate costs. The specific amount we can lend you depends on your individual circumstances, monthly income, and our assessment of what you can comfortably afford to repay each month.

You can check your eligibility by applying online with us. Applying won't affect your credit score. We use a soft search to look at your details and give you an instant decision. To be eligible, you need to be aged over 18, a UK resident, have a regular income, and hold a UK bank account.

We make things easy by collecting your repayments automatically from your debit card on the dates we both agreed in the loan agreement. You don't have to worry about manual transfers every month. If you prefer, you can also log into your account at any time to make a manual payment or update your card details.

If you're worried that you won't be able to make your repayment on time, please get in touch with our team as soon as possible. We are here to help and can discuss a plan to make things more manageable. Ignoring the problem can lead to extra charges and damage your credit score. So, let's talk early.

Yes, absolutely. You are welcome to settle your loan at any time, and we don't charge any early repayment fees for doing so. Paying off your balance early can actually save you money, as you'll pay less interest overall. You can do this easily by logging into your Monixa account.